The BECU is a personal credit card from BECU. The annual fee is No annual fee. The ongoing APR is Rates as Low As 16.49 % APR after a 0% on purchases for 12 months; 0% on balance transfers for 12 months when completed within 90 days of account opening introductory rate. Signup bonus: $200 cash back after spending $2,000 in purchases within three months of account opening. Rewards: Unlimited 1.5% cash back on all purchases (posts as a statement credit). Cash back: 1.5% Cash Back Rewards. This product reports activity to your personal credit report.